By Eli Goins · FL DFS #P159790 · Reviewed: · 1 min read
Short answer: Three types of adjuster operate in Florida. Company adjusters are employed by the carrier and advocate for its interests. Independent adjusters are contract firms retained by the carrier, often handling catastrophe overflow. A public adjuster is the only one retained by and accountable to you, the insured, and is paid a contingency fee from your recovery.
Company adjuster
- Employed by carrier
- Advocate for carrier's interests
- Compensation tied to carrier performance
Independent adjuster
- Contract firm, retained by carrier
- Often handles catastrophic overflow
- Compensation from carrier per file or per diem
Public adjuster
- Retained by and accountable to the insured
- Florida 3-20 license
- Contingency fee from claim recovery
- Fla. Stat. 626.854 regulated